Worth pointing out that the older generations who benefited from all those things also benefited from a highly favourable demographic structure. In short, the working population was a much bigger pro… (View Post)

Very good. But, tiresomely, I'd have to point out that you don't have to dislike Europe to think membership of the EU is sub-optimal for the UK. cf our Scot Nat friends, who simply dislike … (View Post)

Not far off. You would no doubt be horrified with what I keep in my wallet! (View Post)

Public procurement is essentially set up to deliver the cheapest option, even if it doesn't work. These systems were set up because we didn't believe public sector procurement was either as… (View Post)

I have lost pieces of paper, to be fair. And no, I've never used Apple Wallet. I don't have an Apple. I don't use a smartphone enough to justify the cost of an Apple - I've got an… (View Post)